Baker County, Oregon has a 2026 one-unit conforming loan limit of $832,750, which is 2.9 times the county's median home value of $285,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $60,936 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $285,600 |
| Oregon median home value | $477,600 |
| Limit ÷ median home value | 2.92× |
| Median household income | $60,936 |
| Median home value ÷ income | 4.7× |
| Population | 16,840 |
| Median property tax paid (owners) | $2,239 |
| Effective property tax rate (approx.) | 0.78% |
| Owner-occupied homes | 71.5% |
| Home value rank in Oregon | 26 of 36 counties |
| Neighbor: Adams County, ID | limit $832,750; median home $376,500 |
| Neighbor: Washington County, ID | limit $832,750; median home $278,100 |
| Neighbor: Grant County, OR | limit $832,750; median home $229,700 |
| Neighbor: Malheur County, OR | limit $832,750; median home $248,900 |
| Neighbor: Union County, OR | limit $832,750; median home $294,600 |
| Neighbor: Wallowa County, OR | limit $832,750; median home $394,800 |
Across Oregon's 36 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Baker County's median home value is 40% below the state median of $477,600 (rank 26 of 36). Among its 6 neighboring counties, Wallowa County has the highest median home value ($394,800) and Grant County the lowest ($229,700); all share the same loan limit. Owners pay a median $2,239 a year in property tax, an effective rate of about 0.78% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Bailey County, TX
- 2026 conforming loan limit: Baker County, FL
- 2026 conforming loan limit: Baker County, GA
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- 2026 conforming loan limit: Baldwin County, GA
- 2026 conforming loan limit: Ballard County, KY
- 2026 conforming loan limit: Baltimore City, MD
- 2026 conforming loan limit: Baltimore County, MD
Last updated 2026-10-16. Data only, not financial or tax advice.